Creditas Loan: Everything you need to know!

First, learn about the different types of Creditas loans and see how to apply!

Creditas is a financial institution specializing in loans. For 3 consecutive years, it has won the Reclame Aqui award as one of the best online loan institutions.

Currently, Creditas offers three types of loans: Loans secured by real estate, loans secured by vehicles and private payroll loans.

The advantages of these loans is that providing an asset as a payment guarantee offers less risk to the institution, so, consequently, it charges lower interest. 

Types of Loans offered by Creditas

Learn a little about the types of loans offered by Creditas and how each one works:

Creditas loan with property guarantee

Creditas offers a loan secured by real estate, which consists of offering a property as a guarantee of payment, it can be an apartment, a house, a plot of land within a condominium, commercial premises, as long as they are in an urban area and are worth at least 150,000.00 reais.

The loan taker can obtain from fifty thousand reais to three million reais, as well as request up to 60% of the value of the collateral property.

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This type of loan has the lowest interest rates. 

This type of loan allows you to use your property normally and for it to continue to be your property, but remember that the property is linked to the payment of the loan, you offered it as a guarantee of payment. 

On the other hand, it is worth noting that loans involving real estate or durable goods have payments divided into long periods, which can last up to 240 months.

Loan with vehicle guarantee

The second type of loan offered by Creditas is with vehicle collateral, as the name suggests, your vehicle is offered to Credits as a form of payment guarantee. 

But, there are some criteria:

• Vehicles that can be used as collateral must be passenger vehicles;
• Have a maximum manufacturing date of 15 years;
• You have up to 60 months to pay;
• You can offer up to 90% of the value of the car as collateral, and receive that loan amount;
• The vehicle must be in the name of the person requesting the loan;
• The car must have 50% of the amount paid.

Creditas private loan

Finally, there is the modality of private payroll loan, which is a type of loan offered by Creditas exclusively for affiliated employees.

This type of loan is intended for workers at institutions affiliated with Creditas.

Therefore, the difference with this loan is that you do not need to offer an asset as a guarantee of payment, as the installments are deducted from your payroll.

The advantages are: credit approval and release are faster and the amount is received by the employee within five business days, between the loan request and the signing of the contract.

So, now that you know the types of loans offered by Creditas, discover the benefits of applying for your loan through the financial institution.

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Benefits of Creditas Loan

The Creditas loan offers several advantages, so we have selected the main ones:

• Fast money;
• Lower interest rate.
• Releases amounts exceeding 50 thousand;
• No bureaucracy;
• Hiring 100% online.

So, with so many advantages, don't miss the opportunity to request yours!

It is very easy to request credit, just access the site of the institution and provide some personal data, and then wait for the credit analysis, which takes a few days.

Therefore, if you have a positive return, you will have the money deposited into your account!